Reaching your long-term goals takes careful planning, especially where your finances are concerned. And with several goals in mind it's sometimes difficult to know where to focus your attention.

Whether it's paying off your mortgage sooner, making a larger or more regular contribution to your retirement savings, choosing investments, or reviewing your insurance needs, together we can build a plan to make the best use of your resources. Whatever your financial goals, I'm here to help. Give me a call or email me today and we can set up a time to meet.

-Daryl Charanduk, CFP

Whether your goal is financial security in retirement or funding post-secondary education for your children, it’s important to choose investments that match your investment philosophy and personality.
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By law, you must convert your Registered Retirement Savings Plans (RRSPs) into some form of retirement income by the end of the year in which you turn 69. Registered Retirement Income Funds (RRIFs) and annuities are the most popular potential income sources and each have their own special advantages.
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Tax is one of the most significant factors affecting your ability to fund your children’s post-secondary education. In the top tax bracket, almost 50 cents of every dollar your investments earn can wind up going to the government. Using tax-smart strategies is a solution.
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